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Housing Finance Company of Kenya was incorporated as the premier mortgage Finance Institution in Kenya licensed under the Banking Act with the CDC and the GoK owning 60% and 40% respectively.
Housing Finance started operations with the main objective of implementing the government’s policy of promoting thrift and home ownership by lending ...
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Overall Job Purpose
The Senior Manager, Corporate Credit Analyst will support the SME and Commercial Banking Business segment in promptly structuring credit deals by evaluating the creditworthiness of a borrower and ensure the proposed credit risk is profitable, beneficial to the client and is within the relevant policies and regulations.He/She will have overall responsibility for the quality of all credit requests prepared by the team, they will also be expected to prepare sound, prudent and judicious credit request proposals in line with the Bank’s credit policy and approved product offering. The role holder will also provide advice and techniques to mitigate risks for credits that are considered bankable.
Principle Accountabilities
- Provide the interface between business and credit.
- Give quality feedback to the business teams on the quality of applications and the areas of improvement.
- Support the business teams in serving their customers in a timely manner customer by giving prompt feedback
- Give business reports on loans processed and declined to help in decision-making.
- Supporting branches and business team in packaging credit proposals to ensure clarity for faster approval and adoption.
- To organize Credit Approval Committee meetings for decision making on credit proposals presented by coordinating the meetings
- To ensure approved loans are progressed whilst the risks are still well mitigated for approved loans requiring minor amendments to underwriting standards by recommending for further review.
- To ensure appraisal of quality profitable loans and identified risks properly mitigated by recommending for further review to Credit Risk Proposals
- To Guide, Motivate and provide leadership to the team members to enable them achieve individual results and ultimately organizational objectives
- Ensure compliance with all credit policy guidelines
- Follow through with transactions to the end
- Training teams one on one to reduce on back and forth
- Develop various templates to guide the credit process
- Handle audit queries emanating from the credit process
- Monitor turnaround time on requests
- Supporting the RMs to achieve set income targets (Interest income and Non-interest income)
- Ensure the correct charges are applied
- Ensure all excesses are fully provided
- Manage office costs within reasonable levels
- Cross sell bank products
- Push o n products that deliver quick income
Minimum Qualifications, Knowledge and Experience
- University Degree preferably in Business related field such as Economics, Finance & Accounting from recognized institution by Commission for University Education. Masters’ degree will be an added advantage.
- Minimum of 7 years’ experience in banking and financial analysis 2 of which must be credit department or credit related area.
- Credit Management, Accounting or Banking Qualification (AKIB)
- CPA / ACCA qualification.
- Certification in financial modelling
- Certified Credit Executive (CCE) or equivalent
- Good track record of credit analysis and understanding of financial policies, procedures, and external regulations. Has demonstrated over the span of the career credit and financial analysis skills required to effectively perform credit analysis and portfolio maintenance activities/tasks in a manner that consistently achieves high quality standards or benchmarks.
- Demonstrated expertise and in-depth knowledge of the local banking industry, banking services, credit process and banking products.
- Evidenced knowledge and understanding of the current banking and financial services operating environment, trends, and practice, related regulatory and governance guidelines and requirement, and applicable laws
- Sound working knowledge and understanding of general commercial regulations and practices
Key Competencies and Skills
- Corporate Competence: Working knowledge of the Bank’s products, the Bank’s Credit policy and CBK Prudential Guidelines.
- Financial analysis Skills
- Analytical business and investment appraisal Skills
- Technology Skills
- Industry knowledge
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Overall Job Purpose
The Head of Digital Business will be responsible for envisioning, design, implementation and commercialization of re-imagined digital first lending products and processes targeted at the consumer, business and corporate segments.He/She will also maintain a product backlog, develop user stories, participate in scrum ceremonies, product testing, end user training and developing go to market strategies for new or revamped lending products. The role holder will also continuously monitor and control products post go-live to ensure they meet agreed revenue and profitability targets.
Principle Accountabilities
- Championing digital banking and determining opportunities for improving business processes through automation.
- Developing, maintaining and managing a pipeline of customers across all stages of the Digital loan journey. This will require one to have a strong operating rhythm to ensure that there is sufficient activity across the application approval within the system to avoid customer dissatisfaction.
- Work closely with internal stakeholders and external vendors on project planning and execution of change processes with respect to Business Policy Rules and system enhancements.
- Serving as liaison between products unit and Business team to translate business requirements into effective technical solutions by presenting development options based on best practices.
- Gathering functional and non-functional business ideas and analysing to design processes flow and documentation.
- Involved in System User Acceptance Testing & offering Business Units support and training in all bank Digital Lending Solutions.
- Using his/her customer experience and credit expertise to wow customers at every point of their lending journey and prompt resolution to the issues raised.
- Monitoring market trend and carrying out competitive analysis of the Digital Lending market with an intent to continuously innovate around online customer journey with enhanced customer experience and satisfaction, especially on Digital platforms
- Providing support and training continually to bank staff on new systems, products and policy updates.
- Ensuring the Portfolio management of Digitally Lent facilities across the regions.
- Drive digital collection c apabilities in terms of driving uptake and developing new ones
Minimum Qualifications, Knowledge and Experience
- A bachelor degree in ICT or a Business-Related Field
- 10 years of experience in the technology, banking, telco, fintech or product fields.
- 4 years of product development, management, or product design experience in the digital world.
- Proven ability to analyze complex business issues and identify, design and implement effective practical recommendations
- Experienced in project management will be an added advantage
- Able to operate in a performance driven organization and drive product uptake
- In-depth knowledge of Central bank Prudential and Risk Guidelines.Customer Centric with the ability to offer customers to a different channel based on their channel of choice.
- Strong business acumen
- Solid background of software lifecycle
- Strong disciplined operating rhythm
- Understanding of credit management will be an added advantage
Key Competencies and Skills
- Excellent understanding of both Credit and IT policies and procedures
- Excellent understanding of competitor market trends on Channel lending
- Excellent knowledge of Central Bank of Kenya Prudential & Risk guidelines.
- In-depth knowledge of the systems and processes within Financial Services industry especially Core Banking, Payments, Channels, CRM and Data Management
- Expert knowledge; exhibits an exceptional degree of ingenuity, creativity and resourcefulness.
- Leads the development of highly advanced technologies, principles, theories and concepts.
- Guides and transfers knowledge to his team.
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Overall Job Purpose
The Site Administrator will assist the Project Development Manager in running of the site and premises as well as providing onsite assistance to customers.
Principle Accountabilities
- Documentation of the customer fulfilment journey
- Monitor delivery dates and times with other departments to make sure that the consumer interaction is of the utmost of professionalism.
- Management of internal and external property sales agents.
- Through the Property Development Manager, have engagement with the branch network to ensure that sales activities do not lose momentum.
- Liaise with Property sales Manager, sales coordinators and direct sales representatives and ensure they receive relevant copies of letters, price lists, memo’s, reports and standard forms regularly.
- Liaise daily with legal department regarding completion of the sales processes and documentation
- Assist in the preparation of regularly scheduled reports
- Develop and maintain a filing system
- Order office supplies
- Submit and reconcile expense reports
- Provide general s upport to visitors/ customers when needed
Minimum Qualifications, Knowledge and Experience
- A Business-related degree from a reputable university
- At least a year minimum working experience in a similar role (Banking experience is preferable)
- Proven work experience as a site coordinator or Sales support agent
- Hands on experience with CRM software and MS Office (MS Excel in particular)
- Understanding of sales performance metrics
Key Competencies and Skills
- Team Work and Interpersonal skills,
- Problem solver
- Excellent PowerPoint and Excel skills – should be able to do presentations and analysis on Excel
- Analytical skills
- Excellent communication skills
- Organized
- Demonstrate Integrity and Professionalism,
- Good communication Skills both written and Verbal
- Selling skills
- Analytical skills
- Negotiation skills
- Presentation skills with outstanding reporting skills
- Bank product knowledge
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Overall Job Purpose
The Project Advisor will source and close sales leads to grow the business and achieve the expected sales targets of the Clay City project end to end and preparing daily sales reports for consideration by the Business Development Manager. The role holder will be expected to aid us grow our business in the real estate sector being sale of both residential and commercial plots.
Principle Accountabilities
- Source for new business opportunities by approaching prospects
- Conduct market analysis to determine needs, potential, desired rates
- Conduct surveys to identify price of competing properties on the real estate market and relay the same to their supervisor
- Liaise with the Sales Managers periodically to identify and seal business opportunities
- Plan and implement communicated selling strategies to improve market share
- Provide periodic (daily, weekly and monthly) sales reports to company management on sales operations and generated returns using CRM systems
- Build and maintain relationships with clients by providing support, information and guidance, and recommending service improvements
- Participate in the promotion of property sales on organized platforms such as expos, site activations, mall activations among others.
- Create systematic and consistent lead generation from cold calling, referrals, lead generation services and other forms of media
- Liaise with the Sales Managers periodically to identify and seal business opportunities
- Provide after sale customer services and maintaining a client and potential client database in the company’s files
- Follow up and ensure the preparation and approval of documents such as sale agreements and offer letters
- Ensure compliance with real estate laws and policies when conducting property sales deals
- Carry out other related tasks as might be required from time to time.
Minimum Qualifications, Knowledge and Experience
- Diploma or degree in Business Administration, Marketing or a related field
- A competent user of the Internet, Microsoft Outlook, Microsoft Word, Microsoft PowerPoint and Microsoft Excel
- At least 3 years’ experience working as a Marketer/Sales Executive, in the real estate sector
- Must have a strong knowledge of E marketing on various platforms
- Must be ready to commence work immediately.
Key Competencies and Skills
- Excellent communication, influencing and negotiating skills
- Good organization and administrative skills
- A strong team player
- Ability to perform with minimal supervision
- Ability to adopt a flexible approach to meet targets and the needs of the business
Method of Application
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